Call reports 2006
VALOR BANK — 2006
What VALOR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 24,924,000 | 24,416,000 | 23,940,000 | 24,362,000 |
| Total loans | 15,442,000 | 15,505,000 | 15,883,000 | 17,510,000 |
| Allowance for loan losses | 168,000 | 168,000 | 200,000 | 276,000 |
| Securities available for sale | 6,283,000 | 6,449,000 | 5,890,000 | 5,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,783,000 | 22,291,000 | 21,655,000 | 21,896,000 |
| Interest-bearing deposits | 18,890,000 | 18,605,000 | 17,982,000 | 17,971,000 |
| Noninterest-bearing deposits | 3,893,000 | 3,686,000 | 3,673,000 | 3,925,000 |
| Equity capital | 1,718,000 | 1,680,000 | 1,824,000 | 1,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 687,000 | 1,067,000 | 1,461,000 |
| Interest expense | 130,000 | 270,000 | 424,000 | 584,000 |
| Net interest income | 183,000 | 417,000 | 643,000 | 877,000 |
| Noninterest income | 78,000 | 115,000 | 153,000 | 191,000 |
| Noninterest expense | 185,000 | 372,000 | 561,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 34,000 | 209,000 |
| Pretax income | 62,000 | 146,000 | 190,000 | 105,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 146,000 | 190,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,826,000 | 1,896,000 | 1,923,000 | 1,771,000 |
| Total capital | 1,994,000 | 2,064,000 | 2,123,000 | 1,989,000 |
| Risk-weighted assets | 16,131,000 | 16,529,000 | 16,596,000 | 17,405,000 |